Yes, there are a number of inaccuracies in here. And how exactly does the removal of lifetime limits lower costs?

Have you tried the Insurance Information Institute (iii.org)? Or the NAIC also sells industry information.

You hit the nail right on the head for me, Lonestar. "Only" $13/day is about 20 times what I pay for insurance on my own car, for similar coverage. I always decline the CDW!

Dar, what is your definition of research? Not sure why you find the Texas study to be deficient.